Citi Custom Card
The Citi Custom Card is a smart choice for those looking for a different financial experience. With a series of exclusive benefits, it offers its holders a wide range of advantages ranging from payment flexibility to attractive rewards. This card caters to individuals who seek to optimize their spending while enjoying substantial benefits and convenience.
The Citi Custom Card is a credit card offered by Citibank, one of the most respected financial institutions in the world. It was designed to meet the needs of customers who value practicality, security, and convenience in their financial transactions. With Citi Custom, you’ll have access to a globally accepted payment method, making your purchases easier around the world.
Card Benefits:
- Get 5% cash back on your purchases in one of the top eligible spending categories each billing cycle until you reach the $500 spending limit per month, and earn 1% cash back on all other purchases. This structure allows you to maximize rewards based on your spending habits.
- Additionally, you will have access to exclusive categories that will allow you the opportunity to earn cash back in various ways.
- 0% introductory APR for 15 months from account opening on both purchases and balance transfers made within the first 4 months after account opening. After this period, the variable interest rate will range from 19.24% to 29.24%, depending on the assessment of your credit quality. It’s important to note that there is a balance transfer fee equal to 5% of the transfer amount, with a minimum of $5.
- No annual fee to keep the card active, making it a cost-effective option for many.
- Opportunity to receive a welcome bonus of $200 cash back after spending $1,500 on purchases in the first 6 months after account opening. These bonus points will be credited in the form of 20,000 ThankYou® points, which can be converted into a value equivalent to $200 in cash back, providing an attractive incentive for new cardholders.
Additional Benefits:
In addition to these main benefits, Citi Custom offers a range of other additional qualities, such as:
- 24/7 Support: Customer service available 24/7 to assist with any issues or questions.
- Contactless Payments: Possibility of using digital wallets for contactless payments on compatible mobile devices, enhancing convenience.
- Zero Liability for Unauthorized Charges: The cardholder is not responsible for unauthorized transactions, offering peace of mind.
- Anti-Fraud Protection: Receive alerts in case of suspicious activities, ensuring 24-hour protection against fraud and unauthorized use.
- Mastercard Identity Theft Assistance: Assistance in monitoring and resolving issues related to identity theft (enrollment request required).
How to Redeem Card Rewards:
Redeeming rewards is simple and can be done through the Citibank online portal. Simply access your account, check your accumulated points balance, and choose between the options available for redemption. Cash back is earned in the form of Citi ThankYou Points, which can be converted into cash back at a rate of 1 cent per point, used to purchase gift cards, or to book travel through Citi. You have the freedom to redeem your rewards directly into a bank account, applying them as a credit to your statement, or even donating them to charitable organizations.
Furthermore, you can use these points to make purchases with participating commercial partners through the Shop With Points program, providing more flexibility in how you use your rewards.
Fees and Interest:
Interest rate
Normal APR: 19.24% – 29.24% (variable)
Purchase Intro APR: 0% for 15 months on purchases
Balance Transfer Intro APR: 0% for 15 Months on Balance Transfers
Rates
Annual Fee: $0
Balance transfer fee: 5% of each balance transfer; $5 minimum.
Cash advance: 5% of each cash advance; $10 minimum
Foreign purchase transaction fee: 3%
How to Register to Use the Card:
To apply for the Citi Custom Card, you can contact Citibank through the official website, telephone, or at a physical branch. A bank representative will guide you through the application process, which includes credit analysis and required documentation. Once approved, your card will be sent to the address provided.
Uninterrupted Assistance:
The customer service team is available at any time, every day of the week, and is always available to help 24/7 with any concerns or issues you may have.
Final Considerations:
The Citi Custom Card offers a range of benefits that can make your financial life more convenient and rewarding. However, it is important to remember to use your card responsibly and maintain efficient control of your spending. If you have questions or need more information, don’t hesitate to contact Citibank for personalized support. Be ready to take advantage of all the benefits that Citi Custom has to offer and enjoy a more complete and satisfying financial experience.
